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If I become injured or disabled, when is the best time to apply?Now! Let us at Cavey and Barrett help you. We have free no obligations books and additional information on our website that will assist you in the right direction. Give us a call at 727-894-3188 for a free consultation....
Continue readingIf my Long Term Disability claim is approved how much will I receive?You have to read your policy because that will tell you the percentage of the salary that you will receive. The fine print in the policy will tell you how your benefits are calculated and will probably have an offset provision that will reduce our benefits by the receipt of any other benefits paid to you. This can include Social Security benefits paid not only to you but to your dependents. It can include other government disability benefits such as Railroad Workers’...
Continue readingCan I collect Long Term Disability Benefits for Multiple Sclerosis?While every long term/ERSIA disability policy is different, most polcies do cover multiple sclerosis if you can prove your are disabled from performing your own occupation.You will also probably be elgible for Social Security Disability benefits for your multiple sclerosis.If you have been denied long term disability or social security disability for multiple sclerosis, immediately contact Tampa Bay disability attorney Nancy Cavey. If you do not file your appeals timley, you can lose your rights to long term disability and Social Security.Answering these...
Continue readingCan I Refuse to Attend a Neuropsychological Exam Scheduled By My Long Term Disability Carrier?If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact a long term attorney like Nancy Cavey immediately! Tampa Bay disability attorney Nancy Cavey is familiar with the neuropsychologists routinely used by long-term disability carriers to deny claim and the games the neuropsychologists will play during the examinatioin!We won’t ever refuse an exam, but there are a number of things that can be done to protect your interests. These include:(1)...
Continue readingIf I am disabled and collecting long-term disability, will that impact my financial planning?Absolutely! Your disability can impact your financial planning. Your savings can be depleted and you may have to ask family members for loans.At Cavey & Barrett we assist our Long-Term Disability/ERISA clients in dealing with the challenges they confront in the disability claims process.These questions include: (1) What are my benefits when I'm going to start working? (2) How do I file for Social Security? (3) Should I COBRA my health coverage? (4) Do I have alternative sources of healthcare?...
Continue readingWhat: Should You Choose a Social Security Disability Attorney to Represent You in Your State?There are Social Security Disability hearings offices all throughout the state of Florida. We at Cavey and Barrett, handle Social Security Disability claims throughout the state. What is important is having a Social Security Disability attorney that understands the Social Security Disability system in the state you are filing for benefits in. That can make the difference between winning or not winning the Social Security Disability benefits and back benefits to which you are entitled. It doesn’t matter...
Continue readingI have filed my application for long terrm disability benefits. How long will the long term disability insurance company take to tell me if they are going to pay my long term disability insurance benefits?The rule of thumb is 3 months! The long term disability carrier will get your medical records, contact your employer and do an investiagtion to determine if you meet the long term disability insurance policy requirements.If you have a medicall complex claim or your medical records don't support your claim, the long term disability insurance company may contact your doctor....
Continue readingChange doctors! Sorry, but your doctor may be the best doctor in the world but if your doctor won't file out the Long Term disability insurance medical forms, you will most likely NOT get paid your disability benefits.Before you apply for long term disability/ERISA disability benefits, Nancy Cavey, a long term disability claims lawyer in Florida, suggests you get a copy of your doctor's records and see what is in those records about your complaints, your symptoms and your ability to do your job. If those records don't support your claim you will have a problem with your disability claim.Make sure...
Continue readingWhen you apply for Social Security Disability you are going to be asked about your ability to function on a daily basis. Even though you may live with your pain everyday, the Social Security Administration has no idea what your day is like unless you tell them.It’s important when you complete any Social Security Disability forms that you explain:1. The nature of your pain. 2. The location. 3. How often you have pain and how long it lasts. 4. What may trigger your pain. 5. What impact the pain has on your ability to function around your home. 6. Side effects of your medication.Please ...
Continue readingCan I refuse to attend a neuropsychological exam at a long-term disability carrier?If a long-term disability carrier is scheduling you for a neuropsychological exam, I strongly suggest that you contact a long term disability attorney like Nancy Cavey immediately! Nancy Cavey is familiar with the neuropsychologists routinely used by long-term disability carriers.We won’t ever refuse an exam, but there are a number of things that can be done to protect your interests.These include:(1) obtaining your own neuropsychological exam before attending the long-term disability carrier’s neuropsychological exam(2) videotaping the independent medical examination(3)...
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